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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $106,806 | $117,895-9.4% | $102,460+4.2% | $145,897-26.8% |
| Participation rate | 44.4% | 78.6%-34.2pp | 76.5%-32.1pp | 80.3%-35.9pp |
| Annual return | 16.25% | 31.92%-15.7pp | 29.47%-13.2pp | 552.29%-536.0pp |
| Employer contribution / active EE | $1,183 | $3,619-67.3% | $3,025-60.9% | $4,663-74.6% |
| Participant deferral / active EE | $2,511 | $5,736-56.2% | $5,056-50.3% | $6,689-62.5% |
| Admin fee / account holder | $7,371 | $13,353-44.8% | $9,460-22.1% | $13,390-45.0% |